Accidents happen every day

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Accident Insurance

Accidents can happen anytime, anywhere. Accident insurance may help protect against the out-of-pocket expenses medical insurance may not pay when you have a covered accident or injury.

With accident insurance, you can get paid directly for expenses incurred as a result of a covered accident. You can use the funds however you need, whether it’s for medical expenses or other costs like rent, utilities or childcare.

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What are the benefits of accident insurance?

Accident insurance pays you a cash benefit after you receive treatment for a covered accident or injury, like a broken bone, burn, cut or even dislocation.

APL’s Accident insurance* may also help cover telemedicine, acupuncture, mental health services and organized sports injuries for covered children and adults. So, you’re not left covering all the unexpected expenses after an accident.

Why Buy Accident Insurance?

Accident insurance may help protect you from unexpected expenses. How exactly does it help? Let’s find out.

What does accident insurance help cover?

Accidents happen, which is why we offer accident insurance that may help cover unexpected medical expenses that result from a covered accident or injury.

Seeing a Doctor

Don’t panic about paying for that unexpected visit to the doctor’s office, urgent care, emergency room or even telemedicine. Our plan may help cover those initial treatment costs.

Ambulance Transportation

If you require an ambulance to take you to the hospital, our coverage may assist with the associated expenses.

Diagnostic Tests & Exams

Get help with the expenses for X-rays, blood tests, CT scans and other necessary exams to determine the extent of your injury.

Hospital and Intensive Care Unit

Benefits may assist in covering a hospital stay, admission into the ICU and inpatient treatments to help you recover.

Therapy and Rehabilitation

Benefits help provide coverage for both physical therapy and emotional support, ensuring a smooth and comprehensive recovery from an accident.

Questions? We’re here to help!

Find answers to the most commonly asked questions.

If you prefer to talk, you can always call us at 800-256-8606.

Adding dependents to your coverage after the policy has been issued is subject to insurability requirements and requires a new application. Call your agent or contact us by email or call 800-256-8606 and we’ll connect you with your agent. Once we receive your application, we’ll carefully evaluate your application for new coverage and inform you of our decision via mail.

Please be sure all requests are submitted to our office at least 30 days before the desired effective date of coverage.

How do I make a change to my policy?

To request a change to your policy, including change of address, name, occupation, dependent coverage, remove a rider or request a duplicate policy, please download and complete the applicable section(s) of the Change & Request Form and return the completed form to us by fax at 877-807-0911 or mail to: APL, P.O. Box 269105, Oklahoma City, OK 73126-9105.

To request a Change of Beneficiary or a Change of Ownership, download the applicable form and follow the instructions provided.

Please be sure all requests are submitted to our office at least 30 days before the desired change date.

Are copies of my medical bills acceptable or do you require the original bills?

We need the actual itemized bill with the diagnosis code from your provider with a breakdown of charges for each date of service. Typically, bills you receive in the mail (balance forward statements) don’t contain enough information to process a claim. However, you should be able to obtain this information by contacting your provider’s office directly.

*This Accident policy provides limited benefits.

Underwritten by American Public Life Insurance Company. This product has limitations, exclusions and waiting periods. For complete benefits and other provisions, please refer to the policy/certificate/rider. A hospital is not an institution, or part thereof, used as: a place for rehabilitation, a place for rest or for the aged, a nursing or convalescent home, a long-term nursing unit or geriatrics ward or an extended care facility for the care of convalescent, rehabilitative or ambulatory patients. All benefits may not be available in all states and is inappropriate for people who are eligible for Medicaid coverage.

Other products listed may contain limitations, exclusions and waiting periods. See your specific policy for full coverage details. All benefits may not be available in all states. Some products may not replace Workers’ Compensation Insurance and may be inappropriate for people who are eligible for Medicaid coverage.